It wasn't about the Baltic being the most violent sea on the planet. It's about careless disregard for the obvious and ominous accumulation of multiple needless risk factors. People who underestimate cumulative risks drown in placid ponds as well as tsunamis, crash on suburban streets as well as racetracks, and die on Mount Washington as well as Mount Everest.
You might get away with operating a vessel in waters it was never designed to operate in, if you were careful to avoid sailing in bad weather.
You might get away with operating a vessel in waters it was never designed to operate in, in bad weather, if you were careful to keep her well maintained.
You might get away with operating a vessel in waters it was never designed to operate in, in bad weather, when poorly maintained, if you were careful to keep it in perfect trim.
You might get away with operating a vessel in waters it was never designed to operate in, in bad weather, when poorly maintained, and in an unbalanced trim condition, if you were steaming with a following wind and waves.
You might get away with operating a vessel in waters it was never designed to operate in, in bad weather, when poorly maintained, and in an unbalanced trim condition, straight into oncoming wind and waves, if you reduced your speed.
You might get away with operating a vessel in waters it was never designed to operate in, in bad weather, when poorly maintained, and in an unbalanced trim condition, straight into oncoming wind and waves, at full speed, if your crew were continuously vigilant about the operating condition of every critical part of the vessel and responsive to all warning signs.
You might get away with operating a vessel in waters it was never designed to operate in, in bad weather, when poorly maintained, and in an unbalanced trim condition, straight into oncoming wind and waves, at full speed, with you and your crew slacking off and disregarding warning signs, if you were very lucky.
But we know the vessel, crew, and passengers were not very lucky that night. The reason luck was left as their only (and ultimately inadequate) hope for collective survival was all those other factors that the people who should have known better idiotically allowed to stack up against them without even noticing until it was too late.